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Old 10-25-2014, 11:33 PM #1
snow0700 snow0700 is offline
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hello, i am 58 years old. and have been drawing disabilty since 2004. i only get about 509.00 a month. my husband will be drawing his social security soon. which is a whole lot higher than mine. i uderstand that i can start drawing off his instead of mine, when i get 62. because of the higher amount. but i also understand i will get it at a reduce rate. does anyone know what the reduce percentage would be. thank you
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Old 10-25-2014, 11:41 PM #2
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hello, im 58 years old and have been on social security since 04. which is 509.00 a month. my husband is drawing his social security retirement now. i understand that when i turn 62 i can draw off his instead of mine. since his is the higher amount. but i also heard it will be greatly reduced. because i will only be 62 . can anyone explain to me how this works. thank you so much..
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Old 10-26-2014, 12:24 PM #3
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http://www.ssa.gov/retire2/applying2.htm
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Old 10-26-2014, 03:51 PM #4
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Originally Posted by snow0700 View Post
hello, im 58 years old and have been on social security since 04. which is 509.00 a month. my husband is drawing his social security retirement now. i understand that when i turn 62 i can draw off his instead of mine. since his is the higher amount. but i also heard it will be greatly reduced. because i will only be 62 . can anyone explain to me how this works. thank you so much..

While your husband is living, at full retirement age you would be eligible for 1/2 of his benefit if it is higher than what you get on your own, $509. You don't get to choose spouse's benefits over your own. If you apply at age 62, you would have a permanent reduction of 25%.

Working backwards, $509/.75 x 2 = $1357. So, his benefit would have to be over $1357 per month for you to even get $1 more. If he is getting $2000, you could get $750-$509 = $241
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Old 10-27-2014, 11:52 AM #5
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While your husband is living, at full retirement age you would be eligible for 1/2 of his benefit if it is higher than what you get on your own, $509. You don't get to choose spouse's benefits over your own. If you apply at age 62, you would have a permanent reduction of 25%.

Working backwards, $509/.75 x 2 = $1357. So, his benefit would have to be over $1357 per month for you to even get $1 more. If he is getting $2000, you could get $750-$509 = $241
thank you. sincerely snow0700
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Old 10-27-2014, 11:57 AM #6
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While your husband is living, at full retirement age you would be eligible for 1/2 of his benefit if it is higher than what you get on your own, $509. You don't get to choose spouse's benefits over your own. If you apply at age 62, you would have a permanent reduction of 25%.

Working backwards, $509/.75 x 2 = $1357. So, his benefit would have to be over $1357 per month for you to even get $1 more. If he is getting $2000, you could get $750-$509 = $241
hello, his social security is 2,382.00. so would I get half of his at full retirement. and drop mine. thank you for your input. sincerely snow0700
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Old 10-27-2014, 12:11 PM #7
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ty for the website. sincerely snow0700
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Old 10-27-2014, 03:54 PM #8
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cant ask social security anything. last time I called with a question. they somehow got confused. and resent me a awards letter approving my disability. and I had to wait I think a month to get my first check..only troble is, I was on disability for 2 years already. but I coulnt get that across to them. so I ended up forgetting the whole thing. they never did send me the check they cheated me out of..lol
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Old 10-27-2014, 11:43 PM #9
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If a check was lost, then go to your local office and notify them of the month and year. I'm sure they can do an audit and reissue a check. Direct Deposit takes care of those kinds of problems now.
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Old 10-28-2014, 09:25 PM #10
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hello, his social security is 2,382.00. so would I get half of his at full retirement. and drop mine. thank you for your input. sincerely snow0700
No, you don't drop yours. You get your benefit and the extra amount is paid from his record.
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